Mindblown: a blog about philosophy.

  • Durham Region home prices jump 2 per cent to $877,963 in September 2025

    In September 2025, the average home price in Durham Region was $877,963, up 2% from August but down 1.8% from last year. Sales rose 5.2% with 707 homes sold, and active listings increased 17.3%. Detached homes averaged $974,377, semi-detached $705,660, attached $762,690, townhouse condos $595,568, and apartment condos $491,672. Prices have roughly doubled since 2015…

  • Your Complete Guide to Mortgage Basis Points

    Basis points (BPS) are a key measurement in mortgage interest rates, representing 1/100th of a percentage point (0.01%). They help clarify small rate changes, which can significantly impact mortgage payments. For instance, a 25 basis point increase on a $300,000 mortgage can raise monthly payments by $42.94. Basis points are crucial for understanding shifts in…

  • Is Toronto’s 30-Year Mortgage a Game Changer? | Get Your Mortgage for a LilLez!

    Is Toronto’s 30-Year Mortgage a Game Changer? | Get Your Mortgage for a LilLez!

    Toronto’s housing market shows renewed buyer optimism in 2025. New 30-year amortizations expand access for first-time homebuyers. Monthly payments drop by up to $600, boosting affordability and stability. Increased flexibility helps buyers manage budgets and enter homeownership sooner. Federal reforms strengthen long-term housing confidence across Toronto’s market.

  • Toronto Homeowners Tap Equity With New HESA Deals | Get Your Mortgage for a LilLez!

    Toronto Homeowners Tap Equity With New HESA Deals | Get Your Mortgage for a LilLez!

    Slide 1: Toronto’s housing scene welcomes a bold new player — the Home Equity Sharing Agreement! Slide 2: HESAs let homeowners tap 5–17.5% of their home’s value for cash. Slide 3: In exchange, investors claim 20–70% of your property’s future appreciation. Slide 4: No payments for 10–25 years — and credit scores don’t even matter.…

  • Oshawa Housing Starts Drop Significantly in 2025 | Get Your Mortgage for a LilLez!

    Oshawa Housing Starts Drop Significantly in 2025 | Get Your Mortgage for a LilLez!

    Single-Detached Housing Starts in Jan–Aug: 260 units, ↓ 14% yearly All Others Housing Starts in Jan–Aug: 426 units, ↓ 62% yearly Total Housing Starts in Jan–Aug: 686 units, ↓ 52% yearly Canada Total Housing Starts in Aug: 3,806 units, ↓ 10% yearly Canada Total Housing Starts in Jan–Aug: 156,283 units, ↑ 4% yearly

  • How Can You Set the Stage for Winning Offers? | Get Your Mortgage for a LilLez!

    How Can You Set the Stage for Winning Offers? | Get Your Mortgage for a LilLez!

    Provide a comprehensive disclosure package before listing: Include seller disclosures, inspections, HOA documents, and a FAQ to inform buyers upfront.Promote open house opportunities: Utilize MLS tools to list open house dates and times, making it easier for buyers to attend.

  • Happy Canadian Thanksgiving | Get Your Mortgage for a LilLez!

    Happy Canadian Thanksgiving | Get Your Mortgage for a LilLez!

    The perfect opportunity to embrace your inner "foodie" and unbutton your pants at the dinner table!In Canada, post-Thanksgiving is all about creative cranberry sauce solutions. Cranberry sauce pancakes, anyone?It's that time when multiple ovens are a blessing. Turkey, pies, casseroles – less stress!

  • How to Know if a Home Fits Your Lifestyle? | Get Your Mortgage for a LilLez!

    How to Know if a Home Fits Your Lifestyle? | Get Your Mortgage for a LilLez!

    Research local schools even if you don’t have kids — they influence home values. Consider internet availability and speed, especially for remote work or streaming needs.

  • How To Get A Mortgage With Low Income In Ontario

    If you're looking to secure a mortgage in Ontario with a low income, it's essential to prepare your application paperwork, including identification, income statements, and bank account details. Consider alternative mortgage solutions from high-risk lenders who are more lenient. Create a budget to understand your financial situation and start a savings plan for mortgage payments…

  • کینیڈا میں گھر خریدنے کے مراحل

    54% کینیڈین اگلے پانچ سال میں گھر خریدنے کا ارادہ رکھتے ہیں۔ گھر کی ملکیت کے لیے عزم، مالی تیاری اور واضح مقصد ضروری ہے۔ اہم مراحل میں یہ دیکھنا کہ کیا گھر خریدنا آپ کی طرزِ زندگی کے مطابق ہے، مالی حالت بہتر بنانا، ڈاؤن پیمنٹ (قیمت کے لحاظ سے 5%-20%) جمع کرنا، حکومتی…

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